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Health Insurance Worldwide

Top 3 Global Health Insurance Companies for Expats

Learn About the Top Three Global Health Insurance Providers for Individual Expatriates

In this blog article, you will learn about three excellent global health insurance providers that Expat Financial offers to expatriates. If you are about to move abroad or already living the expat life, you probably know that emergency and chronic medical conditions incurred while living overseas can be quite expensive and even bankrupt you and your family. You may be healthy now, but unfortunately, that can change in an instant. We work with expatriates around the world who often ask us which expat health insurance provider is the best. Any answer we may provide is going to be somewhat subjective as there is no perfect global health plan. All global health insurance plans and insurance companies have their strengths and weaknesses and this list is subjective, but in no particular order we have listed the top three international health insurance companies for expatriates:

1.  Cigna International

Cigna is a very large and capable global insurance company with offices and operations around the world. It has over 86 million customers in over 200 countries and near-unlimited resources for servicing their expat health clients. Cigna has a very large and capable medical network that expat healthcare clients can access once they are covered. Their service is excellent and our firm has been working with them for many years for both corporate and individual clients. The rates that they charge for their global health plan are quite competitive and you can obtain a quote for their Global Health Options Plan via our site at the same rates, service etc… but with our assistance and advocacy both before and after the underwriting process is complete.

The Cigna Global Health Options policy provides cover for inpatient, out-patient, day patient, mental health, cancer care and a lot more. Their policy comes in three main levels – Silver, Gold, and Platinum. Maternity is available after a 12 month waiting period for the Platinum and Gold levels. Evacuation, wellness care, and dental/vision insurance options are also available. The global health plan will cover you globally excluding the USA, but you can add the USA coverage option for an extra charge. You can’t spend more than 6 months in your country of citizenship and the plan offers you free choice of medical providers in your coverage zone.

The Cigna plan is ideal for expats who want health insurance from a very well known, capable and first-class insurance company. The policy is not the cheapest plan but is quite competitive for an expat who wants excellent coverage for his/her family. Also, there is no age limit as long as you are and remain an expat. You can obtain a quote and even apply online!

2. Allianz Worldwide Allianz Insurance

Allianz hs a very large and well known European based insurer that has been in business since 1890. They are a very capable insurer with an excellent global medical network that is ideal for expats who want a high-quality insurer that will stand behind what they offer via Expat Financial. Allianz offers three levels of care – Essential, Classic and Premier.

 

You can just be covered for hospital-related care or additional options such as out-patient care, dental & repatriation. Maternity care is available after a waiting period with the Premier plan. Like the plan above, you can easily obtain a quote via our website with the same great rates, service, and direct service along with having us as an advocate for the life of the policy. Some local nationals in select countries may be able to apply for this comprehensive global health plan.

 

3. International Medical Group

We have worked with IMG for many years and they offer a wide range of travel medical insurance and global health insurance plans. IMG is based in the USA  and their Global Medical Insurance plan offers you the choice of three plan options: Silver, Gold, and Platinum. Expats can also select two coverage areas: Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan. The plan is ideal for those looking for lower-cost options in global healthcare. Only the Platinum plan offers maternity care after their waiting period. The policy is very easy to quote and purchase online via our website.

The IMG plan offers expats a wide range of deductible levels with the freedom to choose your medical provider and a sizable medical network. The IMG plan is not ideal for expats over the age of 60 – senior expats should look at the Allianz or Cigna plans above.

Examine Your Global Health Requirements

We hope that the above list is helpful if you are in the market for an international health plan. Each policy has its advantages and disadvantages and it makes sense to contact us to discuss the coverage, your requirements and then we can either provide you a quote OR we can send you a quote link so you can examine the numerous options on your own. Purchasing healthcare when you live abroad is an important decision and it makes sense to work with a specialist firm and one of the top three global health insurance providers in the market. Please contact us to discuss your international health insurance needs today.

USA Flag

Health Insurance for Canadians in the USA

Health Insurance Options for Canadian Expats in the USA

Our company is contacted almost every day by Canadians living in the USA or about to live in the United States who are not eligible for local healthcare. More often than not, it is the parent of a student living in the USA who is calling us to find a high-quality expat health plan for their Canadian son or daughter. They all know the cost of medical care in the USA is extremely expensive – some expenses can easily reach into the hundreds of thousands. For example, here are some sample medical conditions and the expected claims costs in USD:

  • Pancreatic Cancer – $100K to $150K
  • Valve Repair – $60K
  • Complicated Pregnancy: Hundreds of thousands
  • MS – $80K
  • ICU Stay – Such a claim could be huge depending on the condition and length of stay.

Health Insurance

That is why it makes sense for Canadians in the USA to purchase a global health plan if they are not eligible for local coverage by themselves or through an employer. If a Canadian is maintaining provincial coverage and will be spending a few months in the USA, then most will obtain emergency only travel medical insurance coverage from one of our Canadian suppliers such as Tugo. However, if the Canadian is becoming an expatriate in the USA by spending a lot of time living, retiring or working in the USA and most likely losing their provincial medical coverage, an international health plan for the USA is vital.

Most Canadians are not aware of the true cost of their provincial medical plan because they pay little or nothing towards it as the costs are all paid by general tax revenue. We have all heard the stories of how expensive medical care is in the USA, especially in the news where someone forgets to purchase travel medical insurance when traveling abroad. If you are a Canadian expat in the USA and not eligible for local plans, then you will have to purchase an international health plan. Note that when you apply, there will be some medical questions and you may or may not be approved or there may be an exclusion. Also remember that individual expat health plans are not HIPAA, COBRA or PPACA compliant.

Most global health plans for expats in the USA will offer in-patient care with options to add wellness, out-patient medical and evacuation insurance. Dental and visioncare is also available. Some will choose a large deductible, but this is a personal choice. Most Americans are used to having very large deductibles and co-insurance while the Canucks are not.

For more information, give us a call or email today as we are very experienced in covering expats around the world. The best plan we can offer expats in the USA is the Cigna Global Health Options plan. You can even get a quote and apply online. Another potential option is the GeoBlue plan.

 

Retire Abroad

Should you retire abroad?

Learn About Retiring Abroad – Determining Your “Expatibility,” or Candidacy, for Retiring Abroad

A lot of us wanted to travel abroad while we were younger or were interested in taking time off work to explore and see more of the world. You may or may not have had the chance to see as much of the world as you wanted. But now you nearing retirement. And you always thought you’d travel once your career was complete. Now you are considering going abroad – and staying abroad permanently as a retired expat.

How do you determine if retiring abroad is right for you?

For one thing, going abroad for retirement is an adventure. Another thing is that it may make total financial sense to leave your native country, with costs of living climbing. And it’s never been easier to pull off expat living – with resources at your fingertips around the clock through the easy facilitation of information-sharing online. You can look up what others have done and read about their experiences online, and even connect with them as well.

Determining your expatibility is the most important step to deciding if you should retire abroad.

Here are two steps you can take in order to determine whether you’re a good candidate for this adventurous expat lifestyle.

Step 1. Take a good look at yourself and profile whether you have the personal disposition to retire abroad.
Retiring abroad takes a desire for adventure, yes. But it also means embracing change, difference and meeting difficulties with an open mind. Do you shy away from obstacles that may arise, like language barriers and a different way of life? You should also consider the following disadvantages of moving abroad:

  1. You will not be able to see your friends and family as much
  2. You may have to sell your house and give up health coverage back home
  3. You will have to give up some activities at home which may not be available in your new location – such as skiing if you are moving from Vancouver to Barbados.
  4. Will you have enough money to last for your life no matter how long you live?

Also, are you ready to immerse yourself in a different culture, including the food, the type of dress you’d be donning? If not, then retiring abroad may not be for you. Or you’re not just yet ready to take the leap into expat life at the moment.

Step 2. Ask yourself what you truly need – what are your necessities in life?

What are some things you absolutely can’t live without? Do you need to be able to speak the local language in your new home country or get away with speaking English? Do you have to have the ability to live with very low costs, or peace and quiet, or a car or internet? Evaluating your needs will help you decide if you’re able to live abroad, and where.

Whether or not you decide to retire abroad, and wherever you go, remember that you’re going to need international health coverage as it’s very likely that your domestic plan will NOT cover you during your retirement abroad. Medical expenses incurred abroad can be extremely expensive and as we all know, our health does not improve with age. It will make sense to lock in a global medical insurance plan when you are living abroad from a well known and respected global insurance company, such as the expat health plan we offer from Cigna.

Finding the right international medical insurer is an extremely complex issue. There are many different levels of healthcare around the world, as well as vastly changing local regulations. Therefore, it’s very important to ensure you’ve selected an international health insurance plan that fully protects you and your family. You should also consider a global health plan that will cover you for life as some plans will termiante after you reach age 70 or 75.

Contact Expat Financial for expert advice and to discuss your international insurance needs and requirements.

Travelling Abroad

How Expats Can Save Money When Moving to the UK

The UK’s rich cultural heritage, vibrant history, and high standard of living have made it one of the most sought-after expat destinations in the world. London’s eminence as a global business center also means that many expat positions there will come with high wages. However, these qualities have also contributed to a high cost of living. The UK is the 12th most expensive country to live in in the world, and its capital, London, is the 5th most expensive city in the world. To help you keep costs down, we at Expat Financial will discuss five ways on how expats can save money when moving to the UK.

1. Saving on Flights

As expats move to the United Kingdom from all over the world, they would all love to save a penny or two on their airfare. One of the easiest ways to do this is to book flights well in advance. Airlines tend to hike the price of tickets as your departure date looms closer, so booking at least several months in advance will allow you to avoid this. Additionally, if flying to the UK from your own country proves unusually expensive, you could try booking a flight to another cheaper European destination. This is a valid strategy, as due to the significant presence of low-cost airlines in Europe, once you are in Europe, flying within the continent can become as cheap as the taxi to the airport.

Expats Moving UK

2. Saving on Accommodation 

With the average flat price in Central London is an astonishing 1.4 million USD, and the average British citizen spending nearly 40% of their income on housing, it makes sense to share a flat with fellow expats to keep costs down. In addition to helping your pocket, sharing an apartment is also a great way to make new friends. Online platforms such as Gumtree and SpareRoom make it easy for expats to arrange a shared flat. For students in the UK, you can often obtain very inexpensive and basic rooms through your university or private student housing companies like Unite Students.

3. Saving on Food

As a melting pot of different cultures, Britain’s vast offering of diverse cuisines makes it a foodie’s paradise. Although some of this diversity amounts to £300 a head omakase bars, there is still an abundance of cheap eats to be found. Straying from the main tourist and business areas will usually lead to finding low-cost local favourites. Additionally, many restaurants lower their prices both before and after peak hours, so that late night sitting may be saving you money. It is easy to obtain ready made meals from the large food chains and department stores in London and other parts of the UK. If you avoid restaurants in your hotel, the prices can be much more reasobable. We strongly recommend trying the excellent pub food as well.

Saving On Restaurant Foods

4. Saving on your Commute

The major cities of Britain are home to some of the best public transit networks in the world, and subsequently, they make owning a car very optional. In London for instance, only 33% of people drive on a daily basis. Utilizing public transit will not only save you money, but it will also save you time, as taking the tube is often faster than driving as city traffic can be agonizingly slow during rush hour. In areas that are not covered by the public transit system, using Uber is often less expensive than hailing a cab.

Commuting Abroad

5. Saving on International Health Insurance in the UK

Traveling to the UK without adequate health care could leave your finances in ruin, especially if you wish to obtain medical care through the private system versus the National Health Service. Unfortunately, the NHS has had some serious problems which include very long waiting lists for treatment. You may also be traveling or want to obtain medical treatment in your home country. Therefore, it makes sense to contact an international healthcare advisor to make sure that you are fully covered. Expat Financial offers many different international health insurance plans for expats moving to the UK for long or extended durations. In addition, we offer group plans for multinational firms with great rates and enhanced coverage. If you have any questions regarding our services or the plans we can provide, please contact us or complete the quote form.

 

 

 

 

 

 

Thinking for Abroad

4 Essential (But Easy) Steps to Follow Before Going Abroad

Four Essential Steps to Follow Before Moving Abroad

So, you’ve decided to go abroad!

Now what?

You’ve decided to take the leap and perhaps teach abroad for a couple of years, or to travel for a few months, or to retire internationally… Whatever the reason is, your big decision to travel abroad needs to be accompanied by this list of 4 essential (but easy) steps to follow before going abroad to make your new journey as exciting as possible!

Photography

The key thing for you to remember before going abroad is to prepare yourself as much as possible. There’s nothing better to bring with you on your travels abroad than peace of mind.

These 4 essential (but easy!) steps to follow before going abroad will put you more at ease.

Research

Research, research, research. This will make it easier for you to prepare what to pack, what documents you need to complete before going abroad (visas and other documentation can take a few weeks to a few months to process, so you need to account for waiting time), what costs to expect, and what kind of insurance you’ll need while abroad.

Making sure your visa and passports are up to date and registering for your trip with the government, including entering your itinerary, is something that will come up while you do research on your destination. For example, if your destination is a remote country, you’ll be advised to register your trip online so that in the case of an emergency, the government will be able to locate and contact you.

A little effort goes a long way. Research how much to tip in restaurants, what conservative attire you’d need when traveling to conservative countries, and how much entrance and exit fees in certain countries may cost you.

Get international health insurance.

On the note of unexpected emergencies, it’s necessary for you to obtain international health insurance.

It’s very likely that your domestic health insurance won’t cover you while you’re abroad. Though many are aware of this, people often fail to adequately prepare for not having their domestic health insurance at their disposal while they’re traveling internationally.

You absolutely need international health insurance while abroad. Not having international health insurance means failing to protect yourself from potentially pre-paying for medical procedures that can be costly abroad and shouldering a heavy financial burden.

It can be confusing to obtain coverage that adequately meets your requirements and those of your family, but Expat Financial is available to answer any questions you may have and walk you through the process of obtaining adequate international medical coverage. Contact us today to assist you in purchasing a plan that works best for you and your family or to obtain a quote.

Call your bank or credit card provider to let them know you’re traveling.

Many people leave this one essential step forgotten amidst all the other to-do items they have on their list before going abroad. If you don’t inform your bank or credit card provider that you’re going to, say, Paris, when you’re supposedly in New York City, they will turn off your credit card as a security measure.

On that note, always have local cash on you – just in case.

While the logistics and planning of going abroad can be overwhelming and complicating, following these three basic steps before everything else will lessen the burden of having to plan to pack up everything and move across the world.

Get a quote and purchase global medical insurance!

Remember, your international health insurance coverage is essential and should not be forgotten before you embark on your travels. Contact us today to obtain a quote or answer any questions you may have about the policies we provide through our many international health insurance providers, such as IMGCigna and GeoBlue.

Medical Insurance

And finally…

Ensure your visa and passport are up to date.

It’s always important to ensure your travel documents are updated. Ideally, your passport will be valid for at least six months before flying abroad, just to be safe.

These four essential steps will help you prepare adequately for your travels abroad and minimize potential risks, so you can have peace of mind before you embark.

Thinking For Abroad

Beach

10 Great reasons to become an expat in the Caribbean

Located on the east coast of Central America, the Caribbean has 17 dependent territories. Though small in total size, the Caribbean has a favourable tropical climate, a mixture of culture with different influences such as French, Spanish, and English, as well as beautiful beaches that make this region a natural choice for expatriates to live, work and retire. The natural beauty of the Caribbean attracts millions of travellers and expats visiting the Caribbean each year. In this article, we will discuss 10 great reasons to move to the Caribbean and become an expat. This includes people to move to the Caribbean for work, long-term travel or retirement.

Caribbean Beaches

1. Pleasant Weather 

The climate of the Caribbean is tropical to subtropical, with year-round sunshine and moist wind. The rainy season starts from May to October, while hurricanes occur between June and November. The average temperate is around 28 to 30 Celsius. The hurricane season is from July to October can bring powerful storms to your island, so it is critical that you obtain a property with adequate storm protection. You may want to exit the Caribbean in the Summer months when the humidity and heat can be quite extreme. Many expats will choose to return to their home country to see family members during this time.

2. Natural Beauty 

The Caribbean is well known for its beautiful island life and excellent beaches. You can experience impressive beaches such as Shoal Bay in Anguilla, Palominos Island in Puerto Rico, as well as Eagle Beach, and Nassau. They all have warm waters and white sands. It really is a natural paradise for beach lovers.

Natural Beauty

3. Diving and Water Sports

The Caribbean islands are full of marine life including turtles, rainbow coloured fish, coral, reefs, and dolphins. Diving is definitely a great activity for tourists and expats. For experienced surfers, long coasts and tides in the Caribbean will provide an unforgettable adventure. There are also many surfing training classes on the islands for new surfers.

4. The Caribbean Cuisine 

Caribbean Cusine

The Caribbean cuisine has many influences from Africa, EuropeLatin American and Spain. Local restaurants prefer to use a kind of green herb and olive oil as common ingredients, as well as coconut, potatoes, bean, and tomatoes. Meats and seafood are widely consumed on the islands. In Jamaica, one of the most popular dish is Saltfish, served with ackee fruit, which is the national fruit of Jamaica. Ackee and Saltfish is the national dish of Jamaica, but a favourite for locals and expats alike is Jerk Chicken. Many expats and locals will enjoy an island staple called Conch, a tropical mollusk that is quite common on the islands.

Caribbean Fruits

5. Friendly People and Culture 

Residents living on the islands come from different countries and cultures all over the world. As a multicultural community, you will hear different languages such as English, Dutch, Chinese, and Spanish. As a result, it is all the more likely that you will encounter your native language spoken on the islands. The people in general are very friendly and welcoming.

6. Favorable Tax Structures

Unlike many countries in the world, most of the islands in the Caribbean have desirable tax rates for both companies and individuals living there. Known as one of the most chosen tax heavens by many expats in the world, the Caribbean islands provide financial privacy and little or no tax policy. One of the most used nations in the Caribbean is the Cayman Islands. Offshore corporations do not need to submit financial reports to any Cayman government. Besides, for international business companies, the Cayman Islands have no income tax nor corporate tax. The other popular option is Panama. The level of security and privacy of account holders in offshore banking services attracts many expats from all over the world.

7. Accommodation

Accomodation in Caribbea

There are many all-inclusive resorts on the islands, as well as a variety of accommodation types no matter you are looking for luxury hotels or a budget place. To rent an apartment in the Caribbean, for example in Anguilla, a two bedroom and two bathroom apartment located in Crocus Bay Beach costs USD $750 per month, according to Sublet.com. Properties on Ambergris Caye, Belize, can be found around USD $17,500. It is important to talk to an experienced real estate agent on the islands that you are thinking of living in as he or she should be able to find a home or condo that can meet your budget should you wish to buy or rent.

8. Best Islands to Live On

There are more than 7,000 islands in the Caribbean and they belong to at least 28 nations. Many people recommend destinations such as BahamasBVIAnguilla and  Barbados. Many will move to the Cayman Islands or Turks & Caicos, which are considered great islands to live and retire. These islands are also quite safe and well run.

9. Family Friendly Activities 

Activities in Caribbea

The Caribbean offers a range of family-friendly activities to expats and tourists from beach activities and boat fun tours. These kinds of arrangements will keep your children busy so that they won’t get bored while you are out enjoying yourselves.

10. Affordable Living & Lifestyle

Generally speaking, the cost of living on the islands is reasonable and affordable. The accommodation on most of the Caribbean nations are relatively inexpensive when compared to western countries. Local produce is also low-cost. Expats planning to retire in the Caribbean would want to consider Panama – as they use US dollars and is very affordable on pension income for retirees.

Don’t Forget to Bring International Health Insurance with You 

Expat Financial has a great deal of experience in sourcing international insurance plans for individual expatriates and even expat employers in the Caribbean. We can also source global medical coverage for select local nationals in the Caribbean that will allow for global medical coverage that includes the United States. Most expats in the Caribbean will want to consider an international health plan that will cover them for treatment in the USA as local hospitals may not have the level of medical care that is necessary for many illnesses. Also, most local plans will only cover you on the island or provide very limited off-island care. The expat healthcare plans are available via our firm from a variety of international insurance companies.

Here is a list of different types of insurance coverage you will want if you are planning to become an expatriate in Panama:

There are a hundred reasons to live, retire and work in the Caribbean. If you require a quote for the Caribbean expat insurance, contact Expat Financial today for a quote.

PDAC-2018

TFG Global & Expat Financial Exhibiting at PDAC 2018 in Toronto

As an extremely experienced global insurance brokerage with an extensive client list from around the world operating in the mining resource space, TFG Global and it’s Expat Financial division will be attending and exhibiting at the PDAC 2018 convention in Toronto from February 4th till the 7th, 2018. As a proud member of the Prospectors & Developers Association of Canada (PDAC), we are excited to participate in the event where we hope to meet other suppliers and executives from the mining industry who will be attending from around the globe.

The event will take place at the  Metro Toronto Convention Centre with 1000 exhibitors and over 24,000 attendees from over 130 countries. Our firm has worked with mining companies with operations around the globe for many years, including those operating in high-risk countries. We encourage mining executives, especially those in CFO, Operations and Human Resources positions, to visit our booth number 6428N in the Trade Show North pavilion.

We hope to meet small and large mining companies which require global mining insurance solutions for their expatriate staff posted at remote mining sites around the world.

We offer international group insurance plans that include:

If your company is operating in the global mining space, we would be pleased to examine your current requirements and policies while obtaining quotes from the market that will adequately meet our company’s duty of care to your employees posted overseas. Mining employees posted overseas are a valuable and sought-after resource, so it makes sense to work with an expat insurance specialist firm that can help source the best coverage that will both retain and attract mining talent.

We will also attend the Canada Africa Chamber of Commerce mining breakfast on March 6th, 2018. Our firm has extensive experience in covering mining employees in Africa. In fact, in 2015 we saved a mining company in Africa over $400K per year in expat life insurance premium after they agreed to let us quote on their global benefit plan after three years trying to get a meeting. If your firm is in need of a global mining insurance coverage, please visit our booth at the PDAC or contact us today.

Risk profile

Expat Employers – Obtain a free country risk profile report

TFG Global and its division Expat Financial is now offering a complimentary country risk report to global HR managers who allow our firm to examine their global benefit plan and obtain quotes from the market. Such international group insurance plans can include vital health, evacuation an/or life insurance for their expatriate employee population.

If you are sending your employees abroad, it is vital that your organization live up to its duty of care as failure to do so will expose management, employees and the company to legal and financial liabilities. As we all know, it is a very chaotic and dangerous world out there, and civil unrest, crime, war, and terrorism can strike wherever your expatriates are posted, especially in high-risk countries. Our firm has extensive experience in covering expatriates in high-risk regions. We have had to work with clients who have unfortunately been impacted by terrorist attacks, kidnappings and civil unrest – our level-headed and quick action was invaluable for our clients and their employees.

We are pleased to extend this offer to companies willing to work with a specialist firm such as ours. These incredibly detailed and valuable country risk profiles will provide essential insights for your company and expats. It will also allow management to plan for more eventualities and minimize risks. For our kidnap and risk insurance clients, they will receive complimentary online access to this information that is updated continuously and highly detailed.

The country risk report and travel guide reports will provide the following information that will enable you to make more informed decisions when sending employees overseas on long and short-term assignments:

  • Destination country’s risk score – from stable to terminal threat
  • Areas of concern
  • Travel safety and pre-trip recommendations
  • Risk projections
  • Analysis of security – including crime & terrorism risks
  • Security recommendations
  • Political risk profile
  • Details on specific regions of the country where precautions are recommended
  • Medical profile
  • Kidnap & ransom profile number on a scale from 1 to 4
  • Details on recent incidents.

We can obtain a risk overview & travel safety report for up to 180 countries and 400+ cities. To receive a report and talk to us about the insurance for your expat population, please contact us today. If our company is assigned as your broker of record for your existing or new global benefit plan, the above reports will be available for any country that you are sending employees to upon request.

 

Legal Notice Regarding this Offer: The above offer can be withdrawn at any time without notice. We can only release one country report to companies or organizations who have 2 or more expatriates employees which allow us to obtain quotes from the market for their global expat insurance program after releasing the current plan contract, premiums, reports, and expat employee census information that is vital for us to obtain accurate quotes and provide our report and recommendations. The above offer is not available to expat employers based in the USA and other select countries. We reserve the right not to quote or offer this report to your company. The reports are not available to individuals.

The impact of noncommunicable chronic diseases for expats

How the Global Impact of Chronic Conditions is Impacting Expatriates

Recently, Cigna has released a study on the global epidemic of noncommunicable chronic diseases and held a seminar for their brokers and clients. The study examined the situation of noncommunicable chronic diseases around the world and provided excellent suggestions for prevention. According to the World Health Organization (WHO), a noncommunicable chronic disease is characterized by a long duration and generally slow progression. These conditions are becoming more commonplace for local nationals and even expats. The widespread nature of chronic diseases is putting expatriates’ health at risk. In this article, we will discuss the main types of chronic diseases based on Cigna’s research and advice for expatriate communities from expatriate health insurance professional perspective.

The Global Epidemic of Chronic Disease is Increasing 

As stated by Cigna’s study, noncommunicable diseases account for six in ten deaths worldwide. Major noncommunicable chronic diseases usually refer to diabetes, cardiovascular diseases and cancer. According to Cigna’s report, approximately 19% of the American have diabetes, and the figure rises up to 30% in the Middle East, while just over 30% of Chinese have some form of diabetes. This is the leading cause of kidney failure, blindness, heart diseases, stroke and death.

The rates of obesity in adults and children are increasing globally. And in some parts of the world, the situation is getting worse. Obesity is another cause of cardiovascular diseases due to the force of the heart to push around a greater volume of blood, which easily causes high blood pressure. Scientists predict by 2025, one in five of the population will suffer from obesity; 36.5% of adults are considered obese, according to Cigna’s report.

How to Prevent from Noncommunicable Chronic Diseases as an Expat? 

According to the WHO), most chronic diseases are caused by three major risk factors: an unhealthy diet, lack of exercise and use of tobacco. Many expats working abroad often do not have the time to eat healthy foods or exercise and may be surrounded by fast food restaurants, vending machines and food trucks. However, building a healthy diet is crucial for your health when living and working abroad. When shopping at grocery stores, make sure to cut the high-sugar and high-carbohydrate food from your shopping list. Replace them with vegetables, fruits, fish, eggs and other healthy choices based on your eating schedule.

Regular exercise is good for your body, both physically and mentally. However, expats may find hard to rebuild an exercise routine when working and living abroad. Many expats may live in cities with few exercise options or very extreme climates or in areas with bad security. Often the easiest way to start exercising is practicing yoga at home or purchasing an exercise machine. Expats should develop a personal exercise routine and live an active lifestyle.

International Health Insurance is Critical for Expats Worldwide 

Most expat employers may not aware that the cost to treat chronic diseases for expatriate employees overseas can be very high. It usually requires a specific plan to cover ongoing health needs. If an expat develops an illness later on it may be recognized as a pre-existing condition when trying to obtain health coverage. A global benefit plan can offer full coverage for pre-existing medical conditions to avoid claims being denied or coverage being restricted for expat employees.

Expat Financial is able to offer flexible international expat group insurance plans in most regions around the globe:  Africa, Europe, Asia, Middle East, North America, South America, Caribbean, Oceania, Central America, and all major cities in the world. Expat Financial can also offer international health insurance plans for individual expatriates that may be able to cover some existing chronic conditions depending on their severity and subject to underwriter approval. Our International health insurance plan provides day-patient care and full hospital coverage, extensive cancer coverage, maternity and baby care (conditions may apply), dental & vision care and international medical evacuation and repatriation. This is especially important for expats going to visit rural areas in some less developed countries.

If you have questions about international medical insurance plans we offer to individual expats or your company requires a global expatriate group insurance plan, please contact us or complete the quote form. We look forward to hearing from you.